While liability insurance is a mandated requirement for those who live in and around Coppell, Texas, this may not be the only insurance needs you have. If you have a car loan, or you value your car itself, you may want to have comprehensive coverage. A comprehensive policy will cover the value of your car, if you were in an at-fault accident and also cover other issues that cause damage to your vehicle.

What else can damage your vehicle? This could be something like an act of God—a windstorm, hail, falling tree, etc. However, it could also be something like vandalism, theft or a pebble coming up from the road and cracking your windshield. Comprehensive coverage is a broad insurance type that will protect you in any possible scenario.

Depending on the value of your car, you may have more or less coverage from this type of policy. Only by speaking with an independent agent of ours can you determine your exact needs and get the maximum possible coverage at a rate you can afford.

If you haven’t yet talked to an agent, the basics of comprehensive coverage is that it will pay the actual cash value of the damage minus your deductible. Because of this, the maximum coverage you can have is the value of your car. The main difference in policy occurs in how large of a deductible you carry.

A good rule of thumb is to never carry comprehensive coverage on a vehicle that will cost more to repair than it is worth. Like most insurance issues, speaking directly with an agent is the best way to get all your ducks in a row. There are many great agents in the Coppell, Texas area that are happy to help you with all your decisions.